14
Benefits2
Reward Categories2x
Max Reward18.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Gas Stations & Restaurants | 2x | Cash Back | Earn 2% cash back at Gas Stations and Restaurants. | $4,000 | |
| All Other Purchases | 1x | Cash Back | Earn 1% cash back on all other purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Cashback
Base Rate: 1x
Bonus Rate: 2x
Categories: 2x Gas Stations, 2x Restaurants
Quarterly Rotating: No
Cap Amount: $1,000.00
Expiration Policy: Cashback Bonus never expires
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: None
Redemption Penalties: None
Benefits & Protections (Detailed) 14 Total
PENDINGAccount Management 1
Mobile App Access
Account management via mobile appManage your account anytime, anywhere with the Discover mobile app.
Cashback Rewards 3
Cashback Match
All cash back earned in the first year matchedOnly from Discover, we'll match all the cash back you've earned at the end of your first year. Automatically. There's no sign-up needed and no limit to how much is matched.
Accelerated Cashback - Gas Stations & Restaurants
2% cash back on up to $1,000 in combined purchases each quarterEarn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
Base Cashback - All Other Purchases
1% cash back on all other purchasesEarn unlimited 1% cash back on all other purchases.
Customer Service 1
24/7 U.S.-based Customer Service
24/7 U.S.-based customer supportSpeak to a real person any time, day or night, from the U.S.
Fees & Costs 2
No Annual Fee
$0 annual feeYou won't pay an annual fee for this card.
No Foreign Transaction Fees
0% foreign transaction feesYou won't pay foreign transaction fees when making purchases abroad.
Financial Tools 1
Free FICO® Score Access
Free access to FICO® ScoreSee your FICO® Score for free on your monthly statements and online.
Identity Protection 2
Discover Identity Alerts
SSN monitoring and alertsWe'll monitor thousands of risky websites when you activate alerts and send you an alert if your Social Security Number is found.
Online Privacy Protection
Personal info removal from people-search sitesWe'll help you remove your personal info from select people-search sites.
Payment Features 1
Contactless Payment
Tap-to-pay functionalityTap to pay with your Discover card wherever you see the contactless symbol.
Security Features 3
Freeze it® On/Off Switch
Instant account freeze/unfreezeFreeze your account in seconds with our on/off switch to prevent new purchases, cash advances, and balance transfers.
0% Fraud Liability Guarantee
0% liability for unauthorized purchasesYou're never responsible for unauthorized purchases on your Discover card.
Secure Online Shopping
Advanced security features for online shoppingShop with confidence with advanced security features like secure account numbers and purchase protection.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING$0
Cash BackRequirement: Spend $0 in 360 days
Timing: Discover will automatically match all the cash back you've earned at the end of your first year as a cardmember. There is no minimum spending or maximum rewards for the match.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $0.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 18.24% - 28.24%
Balance Transfer APR: 18.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Discover it Chrome card offers an unlimited dollar-for-dollar match of all cashback earned at the end of the first year for new cardmembers. There is no traditional fixed bonus spend requirement. Eligibility requirements typically include being at least 18 years old, a U.S. resident with a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), demonstrating sufficient income, and possessing a good to excellent credit score (generally FICO 670+). A key application rule is that an individual can only hold one personal Discover credit card at a time.
Max Cards Per Issuer: 1
Min Spend Interval: N/A for cashback match, as it's an unlimited match at the end of the first year. No traditional fixed bonus spend requirement.
Cliff Effect Rules: An individual cannot hold more than one personal Discover credit card at a time. To apply for a new personal Discover personal card, an existing one must typically be closed or product changed.
Special Events: N/A
Holiday Promos: N/A (Discover it Chrome has fixed bonus categories, not rotating or holiday-specific ones).
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.2 / 5.0
Top Positive:
Simple, no annual fee cashback rewards, especially strong for gas and restaurant spending. Excellent customer service and a great card for building credit with its first-year cashback match.
Top Negative:
Lower cashback rates compared to some premium cards, limited international acceptance (though improving), and no large sign-up bonus.
Approval Experience: 88.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Double Cash Card
- Capital One Quicksilver Cash Rewards Credit Card
Card Value Score: 78.0 / 100
Est. Annual Rewards: $234.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: January 2024